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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,819 | $88,707-73.1% | $74,184-67.9% | $273,972-91.3% |
| Participation rate | 38.1% | 79.4%-41.4pp | 76.6%-38.5pp | 83.0%-44.9pp |
| Annual return | 4.30% | 11.94%-7.6pp | 17.74%-13.4pp | 41.46%-37.2pp |
| Employer contribution / active EE | $545 | $3,159-82.8% | $2,370-77.0% | $4,869-88.8% |
| Participant deferral / active EE | $1,036 | $4,212-75.4% | $3,550-70.8% | $5,287-80.4% |
| Admin fee / account holder | $1,907 | $8,717-78.1% | $5,586-65.9% | $10,133-81.2% |